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white paper

Aroop Gupta

Visiting Research Fellow at the Christensen Institute from TCS

David L. Sundahl

Senior Research Fellow, Christensen Institute

Banking on Disruption: The Rise of Online Lending and the FinTech Fallout

FinTechs are gaining a foothold in high risk, less profitable lending categories.

FinTechs are capturing the low-end lending market. Though a non-scalable business model limits disruption to certain tiers of the market, the threat to market share is real. Incumbents must change their strategy to retain supremacy. They must either partner with FinTechs or reinvent their business model to compete head on, or risk being reduced to passive participants in the lending value chain.